(UVE) Universal Insurance Holdings - Overview
Sector: Financial Services | Industry: Insurance - Property & Casualty | Exchange: NYSE (USA) | Market Cap: 1.108m USD | Total Return: 50.9% in 12m
Avg Turnover: 8.21M
EPS Trend: 72.3%
Qual. Beats: 5
Rev. Trend: 95.9%
Qual. Beats: 1
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
Universal Insurance Holdings (UVE) is a vertically integrated insurance holding company headquartered in Florida. The firm specializes in personal residential insurance products, including homeowners, renters, and condominium coverage, alongside related liability and property lines. Its business model encompasses the entire insurance lifecycle, from actuarial analysis and underwriting to claims administration and reinsurance placement.
Operating in the Property & Casualty sector, the company utilizes a multi-channel distribution strategy involving independent agencies and its proprietary digital platform, Clovered.com. Property insurers in Florida often face high exposure to catastrophe risk, necessitating sophisticated reinsurance programs to manage portfolio volatility. Investors may find ValueRays detailed data useful for further fundamental analysis.
As an integrated provider, the company manages its own policy administration and risk evaluation processes. This structure allows for direct oversight of underwriting standards and pricing adjustments across its geographic footprint. Originally incorporated in 1990, the firm has transitioned from its origins as Universal Heights to its current focus on diversified residential risk management.
- Reinsurance pricing volatility impacts net underwriting margins and statutory capital levels
- Florida legislative reforms influence litigation frequency and loss adjustment expenses
- Catastrophic weather events drive significant fluctuations in quarterly claim payout volume
- Investment income growth follows rising interest rates on fixed-income portfolio holdings
- Direct-to-consumer expansion via Clovered reduces traditional independent agency commission costs
| Net Income: 195.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.12 > 0.02 and ΔFCF/TA 3.88 > 1.0 |
| NWC/Revenue: -56.44% < 20% (prev -58.86%; Δ 2.41% < -1%) |
| CFO/TA 0.13 > 3% & CFO 349.5m > Net Income 195.8m |
| Net Debt (-640.3m) to EBITDA (266.4m): -2.40 < 3 |
| Current Ratio: 0.56 > 1.5 & < 3 |
| Outstanding Shares: last quarter (28.8m) vs 12m ago 0.10% < -2% |
| Gross Margin: 31.88% > 18% (prev 0.14%; Δ 3.17k% > 0.5%) |
| Asset Turnover: 58.30% > 50% (prev 57.00%; Δ 1.30% > 0%) |
| Interest Coverage Ratio: 51.94 > 6 (EBITDA TTM 266.4m / Interest Expense TTM 4.99m) |
| A: -0.33 (Total Current Assets 1.14b - Total Current Liabilities 2.04b) / Total Assets 2.77b |
| B: 0.29 (Retained Earnings 807.1m / Total Assets 2.77b) |
| C: 0.09 (EBIT TTM 259.3m / Avg Total Assets 2.74b) |
| D: 0.35 (Book Value of Equity 773.0m / Total Liabilities 2.18b) |
| Altman-Z'' = -0.18 = B |
| DSRI: 0.50 (Receivables 277.9m/543.1m, Revenue 1.60b/1.55b) |
| GMI: 0.43 (GM 31.88% / 13.60%) |
| AQI: 1.09 (AQ_t 0.57 / AQ_t-1 0.52) |
| SGI: 1.03 (Revenue 1.60b / 1.55b) |
| TATA: -0.06 (NI 195.8m - CFO 349.5m) / TA 2.77b) |
| Beneish M = -3.94 (Cap -4..+1) = AAA |
As of May 23, 2026, the stock is trading at USD 39.70 with a total of 109,959 shares traded.
Over the past week, the price has changed by +0.59%,
over one month by +14.76%,
over three months by +30.04% and
over the past year by +50.85%.
Universal Insurance Holdings has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy UVE.
- StrongBuy: 0
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 44 | 10.8% |
P/E Forward = 9.98
P/S = 0.6952
P/B = 1.8821
Revenue TTM = 1.60b USD
EBIT TTM = 259.3m USD
EBITDA TTM = 266.4m USD
Long Term Debt = 100.3m USD (from longTermDebt, last quarter)
Short Term Debt = 101.1m USD (from shortTermDebt, last fiscal year)
Debt = 100.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -640.3m USD (calculated: Debt 100.3m - CCE 740.5m)
Enterprise Value = 467.8m USD (1.11b + Debt 100.3m - CCE 740.5m)
Interest Coverage Ratio = 51.94 (Ebit TTM 259.3m / Interest Expense TTM 4.99m)
EV/FCF = 1.36x (Enterprise Value 467.8m / FCF TTM 344.8m)
FCF Yield = 73.69% (FCF TTM 344.8m / Enterprise Value 467.8m)
FCF Margin = 21.57% (FCF TTM 344.8m / Revenue TTM 1.60b)
Net Margin = 12.25% (Net Income TTM 195.8m / Revenue TTM 1.60b)
Gross Margin = 31.88% ((Revenue TTM 1.60b - Cost of Revenue TTM 1.09b) / Revenue TTM)
Gross Margin QoQ = 41.74% (prev 45.13%)
Tobins Q-Ratio = 0.17 (Enterprise Value 467.8m / Total Assets 2.77b)
Interest Expense / Debt = 1.59% (Interest Expense 1.59m / Debt 100.3m)
Taxrate = 24.27% (17.4m / 71.7m)
NOPAT = 196.4m (EBIT 259.3m * (1 - 24.27%))
Current Ratio = 0.56 (Total Current Assets 1.14b / Total Current Liabilities 2.04b)
Debt / Equity = 0.17 (Debt 100.3m / totalStockholderEquity, last quarter 584.7m)
Debt / EBITDA = -2.40 (Net Debt -640.3m / EBITDA 266.4m)
Debt / FCF = -1.86 (Net Debt -640.3m / FCF TTM 344.8m)
Total Stockholder Equity = 522.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 7.14% (Net Income 195.8m / Total Assets 2.77b)
RoE = 37.50% (Net Income TTM 195.8m / Total Stockholder Equity 522.2m)
RoCE = 41.66% (EBIT 259.3m / Capital Employed (Equity 522.2m + L.T.Debt 100.3m))
RoIC = 219.2% (NOPAT 196.4m / Invested Capital 89.6m)
WACC = 7.27% (E(1.11b)/V(1.21b) * Re(7.82%) + D(100.3m)/V(1.21b) * Rd(1.59%) * (1-Tc(0.24)))
Discount Rate = 7.82% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -39.58 | Cagr: -1.03%
[DCF] Terminal Value 79.62% ; FCFF base≈299.9m ; Y1≈343.8m ; Y5≈509.7m
[DCF] Fair Price = 318.7 (EV 8.25b - Net Debt -640.3m = Equity 8.89b / Shares 27.9m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 3.0% )
EPS Correlation: 72.33 | EPS CAGR: 129.8% | SUE: 1.41 | # QB: 5
Revenue Correlation: 95.93 | Revenue CAGR: 7.67% | SUE: 3.72 | # QB: 1
EPS current Quarter (2026-06-30): EPS=1.43 | Chg30d=+0.00% | Revisions=-20% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.01 | Chg30d=+107.14% | Revisions=+20% | Analysts=1
EPS current Year (2026-12-31): EPS=4.75 | Chg30d=+18.75% | Revisions=+20% | GrowthEPS=-23.4% | GrowthRev=-3.7%
EPS next Year (2027-12-31): EPS=4.40 | Chg30d=+10.00% | Revisions=+20% | GrowthEPS=-7.4% | GrowthRev=+1.5%